65 and Working? The Critical 20-Employee Medicare Rule Explained
Автор: Giardini Medicare
Загружено: 2025-04-08
Просмотров: 547
Have you wondered if you must sign up for Medicare at 65—even if you're still working and covered by employer health insurance? You're not alone! Understanding Medicare eligibility, Medicare enrollment periods, and how employer coverage affects your Medicare decisions can be complex and confusing, but we're here to clear things up.
In this video, Cameron Giardini from Giardini Medicare walks you step-by-step through everything you need to know about Medicare enrollment at age 65 when you or your spouse are actively employed at an employer with 20 or more employees. We'll explore critical factors such as:
Exactly when Medicare eligibility begins
How your employer’s size impacts your Medicare decisions
The crucial role of Health Savings Accounts (HSAs)
Comparing your current employer health plan with Medicare coverage
Understanding "creditable" prescription drug coverage to avoid costly penalties
Real-world examples highlighting common scenarios and decision-making processes
How and when to utilize the Medicare Part B Special Enrollment Period after age 65
Video Timeline:
0:00 - 1:18 - Introduction
1:19 - 2:10 - Medicare Eligibility
2:11 - 4:21 - Do you actually need Medicare?
4:22 - 5:27 - Key Factor #1 to delay Medicare
5:28 - 7:51 - Key Factor #2 to delay Medicare
7:52 - 9:17 - Key Factor #3 to delay Medicare
9:18 - 9:57 - Quick Recap
9:58 - 12:12 - Real-Life Examples
12:13 - 13:40 - What about Medicare Part A?
13:41 - 16:17 - Can you Delay Part A?
16:18 - 21:15 - Compare Medicare to Employer Coverage
21:16 - 24:00 - What to expect when you turn 65
This video will equip you with the essential knowledge to confidently decide whether to enroll in Medicare immediately at 65 or delay coverage without penalties, avoiding costly mistakes along the way.
🔗 Helpful Resources Mentioned in the Video:
Medicare Decision Guide: https://www.dartmouth.edu/hr/docs/ben...
Form CMS-L564: https://www.cms.gov/medicare/cms-form...
Form CMS 40B: https://www.cms.gov/medicare/cms-form...
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👉 Subscribe to Giardini Medicare: Stay informed with clear, actionable Medicare guidance and tips tailored to your needs.
Video Sources:
Medicare Eligibility: https://www.cms.gov/medicare/enrollme...
2025 Medicare Costs: https://www.medicare.gov/publications...
Medicare Part B SEP Document: https://www.ssa.gov/pubs/EN-05-10012.pdf
Part B Penalty and Employer Coverage: https://secure.ssa.gov/poms.nsf/%20ln...
Medicare Secondary Payer Guidelines: https://www.cms.gov/medicare/coordina...
Medicare Coordination of Benefits: https://www.medicare.gov/publications...
Creditable Prescription Coverage: https://www.medicare.gov/health-drug-...
IRS 969 Document: https://www.irs.gov/pub/irs-pdf/p969.pdf
#MedicareEnrollment #Turning65 #MedicareAndEmployerCoverage #MedicareTips #GiardiniMedicare
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